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The Allstate Corporation (ALL)
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Upturn Advisory Summary
01/10/2025: ALL (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 40.91% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/10/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 47.93B USD | Price to earnings Ratio 11.7 | 1Y Target Price 224.53 |
Price to earnings Ratio 11.7 | 1Y Target Price 224.53 | ||
Volume (30-day avg) 1566147 | Beta 0.48 | 52 Weeks Range 147.09 - 208.95 | Updated Date 01/12/2025 |
52 Weeks Range 147.09 - 208.95 | Updated Date 01/12/2025 | ||
Dividends yield (FY) 2.03% | Basic EPS (TTM) 15.47 |
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.77% | Operating Margin (TTM) 9.32% |
Management Effectiveness
Return on Assets (TTM) 3.27% | Return on Equity (TTM) 23.78% |
Valuation
Trailing PE 11.7 | Forward PE 9.8 | Enterprise Value 57194778044 | Price to Sales(TTM) 0.77 |
Enterprise Value 57194778044 | Price to Sales(TTM) 0.77 | ||
Enterprise Value to Revenue 0.92 | Enterprise Value to EBITDA - | Shares Outstanding 264803008 | Shares Floating 262865098 |
Shares Outstanding 264803008 | Shares Floating 262865098 | ||
Percent Insiders 0.57 | Percent Institutions 80.03 |
AI Summary
The Allstate Corporation: A Comprehensive Overview
Company Profile
History and Background
The Allstate Corporation, established in 1931, is a leading American insurance provider specializing in property and casualty insurance. Initially founded as part of Sears, Roebuck and Co., it became an independent entity in 1993. Today, Allstate boasts a significant presence in the US insurance market, serving over 16 million households through a network of over 51,000 exclusive agents and financial specialists.
Core Business Areas
- Personal Lines: Auto, homeowners, renters, and other personal insurance products.
- Commercial Lines: Business insurance for various industries.
- Financial Services: Retirement products, investment solutions, and banking services.
Leadership and Corporate Structure
- Tom Wilson: Chairman and Chief Executive Officer.
- Glen Jobson: President and Chief Operating Officer.
- Mario Rizzo: Chief Financial Officer.
- The company follows a decentralized structure with various business units responsible for their respective product lines and geographical regions.
Top Products and Market Share
Top Products
- Allstate Insurance: Allstate's flagship product, offering auto, homeowners, and other personal lines insurance.
- Encompass: A separate brand focusing on personal lines insurance for the middle-market segment.
- Esurance: An online insurance platform offering auto, homeowners, and renters insurance.
- Answer Financial: Provides retirement and investment solutions.
- Allstate Protection Plans: Offers warranty and service contracts for various consumer products.
Market Share
- Auto Insurance: Allstate holds approximately 10% of the US auto insurance market, ranking third behind State Farm and GEICO.
- Homeowners Insurance: The company ranks fourth in the US homeowners insurance market, with a market share of around 7%.
- Financial Services: Allstate holds a relatively small share of the financial services market, focusing on retirement and investment solutions for its existing customer base.
Product Performance and Competition
Allstate's products generally receive positive customer reviews, with high ratings for claims handling and customer service. However, competitive pressure from other major insurers and the emergence of online insurance providers continue to challenge market share and pricing.
Total Addressable Market
The total addressable market for personal lines insurance in the US alone is estimated to be over $250 billion. The commercial lines and financial services markets represent additional opportunities for growth.
Financial Performance
Recent Financials
- 2022 Revenue: $48.1 billion.
- 2022 Net Income: $4.0 billion.
- 2022 EPS: $14.99.
- Profit Margin: 8.3%.
Year-Over-Year Performance
Allstate's revenue has remained relatively flat over the past few years, while net income and EPS have seen moderate growth. Profit margins have also shown improvement.
Cash Flow and Balance Sheet
The company maintains a healthy cash flow and a strong balance sheet, demonstrating financial stability.
Dividends and Shareholder Returns
Dividend History
Allstate has a consistent dividend payment history, with annual dividend increases in recent years. The current dividend yield is approximately 2.5%.
Shareholder Returns
Allstate's total shareholder return over the past 5 years has been around 7%, outperforming the S&P 500 index.
Growth Trajectory
Historical Growth
Allstate's growth has been modest in recent years, primarily driven by organic growth in its core insurance business.
Future Projections
Analysts anticipate moderate growth for Allstate in the coming years, driven by potential market share gains and expansion into new product lines.
Recent Growth Initiatives
The company is focusing on expanding its digital capabilities, developing new insurance products, and pursuing strategic acquisitions to fuel future growth.
Market Dynamics
Industry Overview
The US insurance industry is highly competitive, with a mature market for personal lines insurance. Technological advancements and changing customer preferences are driving innovation and disruption within the industry.
Allstate's Positioning
Allstate benefits from a strong brand reputation and a large customer base. However, it faces challenges from both traditional insurers and new entrants in the online insurance space. The company's focus on digital transformation and strategic partnerships is crucial for maintaining its competitive edge.
Competitors
Key Competitors
- State Farm (STF): Market leader in auto and homeowners insurance.
- GEICO (BRK.B): Largest direct-to-consumer auto insurer.
- Progressive (PGR): Known for its competitive pricing and marketing strategies.
- Liberty Mutual (LMI): Major player in both personal and commercial lines insurance.
Competitive Advantages and Disadvantages
Allstate's strong brand recognition, extensive agent network, and focus on customer service are its key competitive advantages. However, it faces disadvantages in terms of cost structure and competitive pressure from online insurers.
Potential Challenges and Opportunities
Key Challenges
- Intense competition in the insurance industry.
- Potential for increased regulation and litigation costs.
- Impact of technological advancements and changing customer preferences.
Potential Opportunities
- Growth in the commercial lines insurance market.
- Expansion into new product lines and geographic markets.
- Development of innovative insurance solutions through technology and partnerships.
Recent Acquisitions
2021:
- SquareTrade: Acquired for $264 million, strengthening Allstate's device protection and warranty business.
2020:
- National General Holdings Corporation: Acquired for $4 billion, expanding Allstate's presence in the commercial lines insurance market.
2019:
- Vertafore: Acquired for approximately $2.7 billion, enhancing Allstate's capabilities in technology and data analytics.
These acquisitions align with Allstate's strategic goal to diversify its business and expand into new markets and product lines.
AI-Based Fundamental Rating
Based on an AI analysis of financial health, market position, and future prospects, Allstate receives a rating of 7.5 out of 10. The company demonstrates strong financial performance, a solid market position, and potential for further growth. However, competitive pressures and potential industry challenges need to be considered.
Sources and Disclaimers
- https://www.allstate.com/
- https://investor.allstate.com/
- https://www.marketwatch.com/investing/stock/all
Disclaimer: This information is intended for general knowledge and informational purposes only and does not constitute professional financial advice. It is essential to conduct your own research and consult with a qualified financial advisor before making any investment decisions.
About NVIDIA Corporation
Exchange NYSE | Headquaters Northbrook, IL, United States | ||
IPO Launch date 1993-06-02 | Chairman of the Board, President & CEO Mr. Thomas Joseph Wilson II | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 53000 | Website https://www.allstate.com |
Full time employees 53000 | Website https://www.allstate.com | ||
The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. It operates in five segments: Allstate Protection; Protection Services; Allstate Health and Benefits; Run-off Property-Liability; and Corporate and Other segments. The Allstate Protection segment offers private passenger auto and homeowners insurance; other personal lines products; and commercial lines products through agents, contact centers, and online. The Protection Services segment provides consumer product protection; protection and insurance products, including vehicle service contracts, guaranteed asset protection, road hazard tire and wheel, and paintless dent repair protection; and roadside assistance, device and mobile data collection services, and analytic solutions using automotive telematics information, as well as identity theft protection and remediation services. This segment also offers its products under various brands, including Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside, Arity, Avail, and Allstate Identity Protection. The Allstate Health and Benefits segment provides life, accident, critical illness, short-term disability, and other health insurance products; stop-loss and fully insured group health products to employers; and short-term medical and medicare supplement insurance to individuals. The Run-off Property-Liability segment offers property and casualty insurance coverage that primarily relates to policies written during the 1960s through the mid-1980s. The Corporate and Other segment provides debt services, as well as non-insurance operations. It sells its products through agents, independent agents, call and contact centers, retailers, direct to consumer, wholesale partners, and affinity groups, as well as through online and mobile applications. The Allstate Corporation was founded in 1931 and is headquartered in Northbrook, Illinois.
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